Frequent Queries sub-tab

Frequent Queries

What is a CIBIL Score and what factors affect my CIBIL Score?

CIBIL Score is a 3 digit numeric summary of your credit history, derived by using details
found in the 'Accounts' and 'Enquiries' sections on your CIBIL Report and ranges from 300 to
900. The closer your score is to 900, the higher are the chances of your loan application
getting approved.

How can I improve my CIBIL Score?

You can improve your CIBIL Score by maintaining a good credit history, which is essential for
loan approvals by lenders. Follow these 6 steps which will help you better your score:

Always pay your dues on time:

Late payments are viewed negatively by lenders.

Keep your balances low:

Always be prudent to not use too much credit, control your utilization.

Maintain a healthy credit mix:

It is better to have a healthy mix of secured (such as home loan, auto loan) and
unsecured loans (such as personal loan, credit cards). Too many unsecured loans may be
viewed negatively.

Apply for new credit in moderation:

You don't want to reflect that you are continuously seeking excessive credit; apply for
new credit cautiously.

Monitor your co-signed, guaranteed and joint accounts monthly:

In co-signed, guaranteed or jointly held accounts, you are held equally liable for
missed payments. Your joint holder's (or the guaranteed individual) negligence could
affect your ability to access credit when you need it.

Review you credit history frequently throughout the year

Monitor your CIBIL Score and Report regularly to avoid unpleasant surprises in the form
of a rejected loan application.

I notice a mistake in my report. How do I raise a dispute? How much time will it take to
resolve the dispute?

To initiate a dispute with us, just follow the below mentioned online dispute process.

Please Note -You can dispute multiple fields and information on your report in a single
dispute by navigating to each section on the Online Dispute Form (i.e. Personal, Contact,
Employment, Account Details and Enquiry).

Once the dispute is submitted, CIBIL will also mark the relevant field/ account/ section on
your credit report as "Under Dispute".

It may take approximately 30 days to resolve a dispute, subject to the time taken by the
Credit Institution to respond.

Credit Score and Loan Basics sub-tab

Credit Score and Loan Basics

What is TransUnion CIBIL? What does it do?

TransUnion CIBIL Limited is India's first Credit Information Company, also commonly referred
as a Credit Bureau. We collect and maintain records of individuals' and commercial entities'
payments pertaining to loans and credit cards. These records are submitted to us by banks
and other lenders on a monthly basis; using this information a CIBIL Score and Report for
individuals is developed, which enables lenders to evaluate and approve loan
applications.

A Credit Bureau is licensed by the RBI and governed by the Credit Information Companies
(Regulation) Act of 2005.

Why is my CIBIL Score important for getting my loan sanctioned?

The CIBIL Score plays a critical role in the loan application process. After an applicant
fills out the application form and hands it over to the lender, the lender first checks the
CIBIL Score and Report of the applicant. If the CIBIL Score is low, the lender may not even
consider the application further and reject it at that point. If the CIBIL Score is high,
the lender will look into the application and consider other details to determine if the
applicant is credit-worthy. The CIBIL Score works as a first impression for the lender, the
higher the score, the better are your chances of the loan being reviewed and approved. The
decision to lend is solely dependent on the lender and CIBIL does not in any manner decide
if the loan/credit card should be sanctioned or not.

What is a CIBIL Score and what factors affect my CIBIL Score?

CIBIL Score is a 3 digit numeric summary of your credit history, derived by using details
found in the 'Accounts' and 'Enquiries' sections on your CIBIL Report and ranges from 300 to
900. The closer your score is to 900, the higher are the chances of your loan application
getting approved.

How can I improve my CIBIL Score?

You can improve your CIBIL Score by maintaining a good credit history, which is essential for
loan approvals by lenders. Follow these 6 steps which will help you better your score:

Always pay your dues on time:

Late payments are viewed negatively by lenders.

Keep your balances low:

Always be prudent to not use too much credit, control your utilization.

Maintain a healthy credit mix:

It is better to have a healthy mix of secured (such as home loan, auto loan) and
unsecured loans (such as personal loan, credit cards). Too many unsecured loans may be
viewed negatively.

Apply for new credit in moderation:

You don't want to reflect that you are continuously seeking excessive credit; apply for
new credit cautiously.

Monitor your co-signed, guaranteed and joint accounts monthly:

In co-signed, guaranteed or jointly held accounts, you are held equally liable for
missed payments. Your joint holder's (or the guaranteed individual) negligence could
affect your ability to access credit when you need it.

Review you credit history frequently throughout the year

Monitor your CIBIL Score and Report regularly to avoid unpleasant surprises in the form
of a rejected loan application.

Can CIBIL delete or change my records?

CIBIL cannot delete or change records reflecting on your CIR on its own; we simply collect
records of individuals provided to us by our members (Banks and financial institutions).
There are no 'good' and 'bad' credit or defaulters lists either.

What does it mean when my Score is "NA" or "NH"?

A Score of "NA" or "NH" is not a bad thing at all. These mean one of the below:

You do not have a credit history or you do not have enough of a credit history to be
scored, i.e. you are new to the credit system

You do not have any credit activity in the last couple of years

You have all add-on credit cards and have no credit exposure

It is important to note that while these Scores are not viewed negatively by a lender, some
lenders' credit policy prevents them from providing loans to an applicant with Scores of
"NA" or "NH" (applicants with no credit track record). Hence, you may have better chances
applying for a loan elsewhere.

What is CIBIL Score 2.0?

The CIBIL Score 2.0 is a new, updated version of CIBIL Score which has been designed keeping
in mind the current trends and changes in the consumer profiles & credit data. Banks are
gradually switching to the new version and you may find a difference in the new version when
compared to the earlier version (i.e., the score 2.0 may be lower than the earlier version).
Please note, the score displayed on the dashboard is the earlier version. However, the
difference in the Credit Score does not impact the credit decisioning during the Loan
approval process as both the versions of the score may have a different score eligibility
cut off while processing the loan application.

For example, if your bank earlier used to sanction loans / credit cards to individuals with a
credit score of 800 and above it may now lower its cut-off, if it has switched to the new
version.

The CIBIL Score 2.0 also introduces a risk index score range for those individuals who have a
credit history of less than 6 months. These individuals were categorized under the category
of "No History - NH" in the earlier version. The score range is from 1 - 5, with 1
signifying "high risk" and 5 signifying "low risk".

CIBIL Score 2.0 summary and interpretation:

Score & Index

Interpretation (i.e., for whom does this score reflect)

NA or NH

Individual has no credit history & it has not been reported to us.

Individual has no credit history but has only been enquired upon.

Individual has credit history but none that is reported in the 24 months
prior to enquiry.

Individual has a credit history but it has not been reported to us in the
last 24 months.

1 - 5

Individual has a credit history which is less than 6 months, hence a risk
Index is returned

Higher to index, lower the risk

300 - 900

An individual with a credit history of more than 6 months (in the last 24
months)

Higher the score, lower the risk

Unlimited Access Plans sub-tab

Unlimited Access Plans

What are Unlimited Access Plans?

Unlimited Access is a time based subscription plan for your CIBIL Score & Report. You can
refresh your CIBIL Score & Report daily during the subscription period and have an option to
choose either a 1 month (₹ 550/-), 6 months (₹ 800/-) or 12 months (₹
1200/-) plan.

With unlimited access, you also get access to other CIBIL Services like Personalized Loan
Offers, Credit Monitoring and Dispute Assistance.

How do I purchase Unlimited Access to CIBIL Score and Report?

Go to 'Dashboard' and scroll to the 'Refresh Center' section of the dashboard. Click on 'Buy
Unlimited Access Plan' button.

Choose an Unlimited Access plan and click on 'Proceed to Payment' button.

Your Unlimited Access Plan will be activated immediately after a successful payment.

Your CIBIL Score and Payment will be updated immediately after payment and you can request an
updated CIBIL Score and Report any time till your unlimited access is valid.

I have purchased an Unlimited Access plan. How do I refresh my CIBIL Score and Report?

Go to 'Dashboard' and scroll to the 'Refresh Center' section of the dashboard. Click on the
'Refresh Now' button.

You will be asked for a confirmation. Tick the 'I Agree & confirm' check box and click on the
'Continue' button and your updated CIBIL Score and Report will be refreshed immediately.

How do I access my Free CIBIL Score and Report if I have purchased an Unlimited Access
plan?

If you have purchased an Unlimited Access plan, you can access your updated CIBIL Score &
Report every day. You can apply for your free CIBIL Score and Report once your unlimited
access expires.

What additional features will I get access to when I purchase an Unlimited Access plan?

You will get access to apply for personalized loan and credit card offers based on your CIBIL
Score. You can also raise disputes online in case you find any discrepancies or inaccuracies
that reflect on your CIBIL Report.

Free CIBIL Score and Report sub-tab

Free CIBIL Score and Report

What is a Free CIBIL Score and Report?

CIBIL will provide you one CIBIL Score and Report without any charge once a year.

How do I get a Free CIBIL Score and Report from CIBIL?

Go to 'My Account' tab on the top right of the screen and click on the 'Get your Free Report'
link. You will be able to access your Free CIBIL Score and Report instantly.

If you do not see the 'Get your Free Report' link on the 'My Account' page it might be
because you have already applied for a free CIBIL Score and Report for the year. If you have
purchased any of our unlimited plans, the 'Get your Free Report' link will be available
after your unlimited plan expires.

What if I want another CIBIL Score and Report before one year?

If you have already got your Free CIBIL Score and Report for the year and wish to continue
monitoring your credit history, you can purchase one of our unlimited access plans. Click here to know more.

What additional features will I get access to along with my Free CIBIL Score and
Report?

You will get access to personalized loan and credit card offers based on your CIBIL Score.
You can also raise disputes online in case you find any discrepancies or inaccuracies that
reflect on your CIBIL Report.

I notice a mistake in my report. How do I raise a dispute? How much time will it take to
resolve the dispute?

To initiate a dispute with us, just follow the below mentioned online dispute process.

Please Note -You can dispute multiple fields and information on your report in a single
dispute by navigating to each section on the Online Dispute Form (i.e. Personal, Contact,
Employment, Account Details and Enquiry).

Once the dispute is submitted, CIBIL will also mark the relevant field/ account/ section on
your credit report as "Under Dispute".

It may take approximately 30 days to resolve a dispute, subject to the time taken by the
Credit Institution to respond.

Understand your CIBIL Score and Report sub-tab

Understand your CIBIL Score and Report

Understand your CIBIL Score and Report

What is a CIBIL Score and Report?

CIBIL Score is a three-digit numeric summary of your credit history. The score is derived
using the credit history found in the CIBIL Report (also known as CIR i.e. Credit
Information Report). A CIR is an individual's credit payment history across loan types and
credit institutions over a period of time. A CIR does not contain details of your savings,
investments or fixed deposits.

How do I read my CIR?

A CIR has detailed information on the credit you have availed, such as home loan, automobile
loan, credit card, personal loan, overdraft facilities. Below are the key sections of the
CIR

CIBIL Score

Your CIBIL score, calculated based on your credit behavior as reflected in the 'Accounts' and
'Enquiries' section of your CIR, ranges between 300-900. A score above 700 is generally
considered good.

Personal information

Contact Information

Address and telephone numbers are provided in this section, up to 4 addresses are present

Employment Information

Monthly or annual income details as reported by the Members (Banks and Financial
institutions).

Account information

This section contains the details of your credit facilities including name of lenders, type
of credit facilities (home, auto, personal, overdraft, etc.), account numbers, ownership
details, date opened, date of last payment, loan amount, current balance and a month on
month record (of up to 3 years) of your payments.

Enquiry Information

Every time you apply for a loan or credit card, the respective Bank or financial institution
accesses your CIR. The system makes a note of this in your credit history and the same is
referred as "Enquiries"

What do the various terms used in the CIR mean?

I have an add-on credit card. Why are the details reflecting on my account when I am not
liable to pay?

It is important to note that even if primary card holder is responsible for payments for
charges incurred on both the primary and add-on credit card. Any default made in payments
shall reflect in CIR of both the primary and add-on card holder.

Why are the loans for which I am a guarantor showing up on my report?

Banks and Financial institutions ask for a guarantor for certain loans as a means of security
for the loan amount they provide. A guarantor on any form of loan is equally responsible to
ensure the repayment of the loan. Hence, the guarantor provides a guarantee to the lender
that he will honor the obligation in case the principal applicant is unable to do so. Any
default on the payment of the loan by the principal applicant, will affect your CIBIL Score
as well.

I have closed all my accounts on time with the bank and have NOC. Why is it still showing as
outstanding on my report?

The reason it may be still reflecting in your CIBIL Report is because the updated information
has not been provided to CIBIL by the concerned Credit Institution (CI). You can raise a
dispute with CIBIL and we will update you with the response from the CI. As per the Credit
Information Companies (Regulation) Act of 2005, we cannot modify any information in the
database without confirmation from the concerned Credit Institution.

If you have received a confirmation from the Credit Institution about the submission of
revised data to CIBIL, you can check its updated status by
clicking here.

Loan Rejections and Disputes sub-tab

Loan Rejections and Disputes

My loan has been rejected because of the defaults reported against my name in CIBIL records.
How
do I remove my name from the CIBIL's defaulters list?

CIBIL doesn't maintain a defaulters list. We maintain the credit history of individuals as
reported by banks and other lending institutions. The decision to grant a loan is solely
dependent on the credit policy of the lender. In order to check your credit history in
detail
and to identify any possible discrepancies / errors that might be reflecting against your
name,
monitor your CIBIL Score and Report regularly.

What kind of inaccuracies can reflect on my CIBIL report?

Ownership

If either some of the personal details or one or more accounts / enquiries on your CIBIL
Report
do not belong to you.

Incorrect personal details

Credit Institutions submit details of your credit account along with your personal / contact
/
employment information such as name, address, date of birth, PAN, telephone number, income
etc.
CIBIL then creates your complete credit profile basis these details. Hence, it is important
to
update your Credit Institution every time there is a change in the information as incorrect
details may lead to a wrong CIBIL Report being generated.

Inaccurate account details

Credit Institutions generally submit data to CIBIL within a span of 30 - 45 days and if you
happen to access your CIBIL Report within 45 days of your last payment of dues, it may not
be
updated. This leads to reflection of inaccurate current balance or amount overdue in your
CIBIL
Report. However, if the 'Date Reported' (date on which data is submitted by that lender)
associated with that account is older than 2 months, and the payment made is still not
reflecting then you can raise a dispute.

Click here to raise a dispute

I have Closed / Paid off the accounts and they are still showing on my report. How do I
update
my CIBIL report?

As per the Credit Information Companies (Regulation) Act of 2005, CIBIL cannot modify any
information in the database without confirmation from the relevant Credit Institution.
Credit
Institutions submit data every 30 - 45 days to CIBIL and if you happen to access your CIBIL
Report within 45 days of closure / pay-off of your accounts it may not be updated in CIBIL
records.
Click here to check the updated status of your account.

Can CIBIL make correction to the data or update / delete any information in the CIBIL
Report?

CIBIL cannot make any change directly to your CIBIL Report. Only once the change is
authorized
and provided by the concerned Credit Institution can your CIBIL Report be updated.

I notice a mistake in my report. How do I raise a dispute? How much time will it take to
resolve
the dispute?

To initiate a dispute with us, just follow the below mentioned online dispute process.

Please Note -You can dispute multiple fields and information on your report in a single
dispute
by navigating to each section on the Online Dispute Form (i.e. Personal, Contact,
Employment,
Account Details and Enquiry).

Once the dispute is submitted, CIBIL will also mark the relevant field/ account/ section on
your
credit report as "Under Dispute".

It may take approximately 30 days to resolve a dispute, subject to the time taken by the
Credit
Institution to respond.

CIBIL cannot add any information directly to your CIBIL Report. The information available on
your
CIBIL Report is as reported to us by Credit Institutions (CIs). The onus lies with the CIs
to
report the complete and accurate data to CIBIL. CIBIL's responsibility lies in accurately
updating and accumulating this information across CI's. Please contact your credit
institution
to report the missing information to CIBIL.

I am unable to submit a dispute without entering the branch details? What can I do?

Certain banks cannot resolve your dispute unless they have the details of the branch where
you
have obtained the loan from. Hence, we have automated the process of collecting the branch
details from you at the time of initiating the dispute. Providing the branch details will
enable
the bank route your dispute to the correct branch which will help expediting the dispute
process. In case you do not have the branch details, you will need to contact the respective
credit institution.

Why can't I raise more than one dispute type on a particular account / enquiry?

You can either dispute ownership or the fields of an account / enquiry.

If you have disputed the ownership (Account does not belong to you) then disputing other
fields
is not relevant.

If you are disputing the field for a particular account / enquiry which belongs to you,
disputing
ownership is not applicable.

What does CIBIL do once I have raised a dispute?

Once you have submitted the dispute, CIBIL will verify the dispute internally and route it to
the
concerned credit institution. Once the CI responds to the dispute request, CIBIL will update
the
changes instantly (if applicable), and communicate the status to you via email.

How do I know the status of my dispute?

You will receive an automated email notification regarding the status of your dispute every 7
days.

I had raised a dispute for correcting information on my CIBIL Report but I have received a
notification that I need to contact my credit institution, Why?

CIBIL cannot make a change to your CIBIL Report until authorized by the Credit Institution.
This
could either mean that CIBIL cannot update the information basis data provided by the credit
institution or the credit institution has rejected your dispute. You will need to contact
the
concerned Credit Institution (CI) directly for further information or you can initiate a
dispute
request again and we will re-verify it with the relevant CI.

The information available on your CIBIL REPORT is as reported to CIBIL by Credit Institutions
(CIs). The onus lies with the CIs to report the facts accurately to CIBIL. CIBIL's
responsibility lies in accurately updating and accumulating this information across CI's. In
case you find any data inaccuracy in your CIBIL REPORT you can initiate a dispute with us
and we
will get the inaccuracies verified with the concerned CI. Any changes have to be authorized
by
the concerned CI for it to be updated in CIBIL records to reflect in your CIBIL REPORT.

What if I'm not satisfied with the results of dispute?

You can choose to contact the concerned Credit Institution (CI) directly. Alternatively, you
can
initiate a dispute request again and we will re-verify it with the relevant CI. Please note,
we
cannot make any changes to your CIBIL Report without the confirmation of the respective
CI.

I see the message that certain information on the report is under dispute? What does this
mean?

An alert (as highlighted in the below image) indicates that the information in certain
sections
of your CIBIL Report is disputed. The alert notification will be removed only once the
dispute
is resolved.

What action will CIBIL take if the CI does not resolve the dispute within 30 days?

CIBIL cannot modify any information in the database without confirmation from the relevant
Credit
Institution. We have an automated process where a daily reminder will be sent to the bank /
CI
until the dispute is resolved.

How much time does CIBIL take to update information once the bank has responded to the
dispute?

Once we get the corrected data from the Credit Institutions (CI), we update our records
instantly.

My account has not been updated for more than 2 months. What should I do?

There could be 2 reasons why your account has not been updated:

Credit Institution has not submitted your recent data to CIBIL

There is an ongoing dispute on your account

You can contact your credit institution directly and request them to take appropriate
action.

I have approached the CI to update my account details, however I have not received any
update?

If you have approached the credit institution directly to update your account in CIBIL
records,
the onus lies with the CI to send you an update. You can contact your credit institution to
know
the updated status of your account. Alternatively, you can
click here to know the updated status of your account.

Personalized Loan Offers sub-tab

Personalized Loan Offers

I see "Personalized Loan Offers" on my Dashboard, I want to know more.

CIBIL provides an online platform where consumers get customized loan and credit card offers
from
participating lenders in a single view. These offers are customized based on your CIBIL
Score,
income and other parameters.

This access is valid for 3 months at no additional cost or charge! It is absolutely free. Click Here to view your personalized loan
offers
now.

What are the advantages of Personalized Loan Offers?

You can access offers from various participating lenders on a single portal. It's simple,
user-friendly and provides complete transparency. The offers are customized basis the
lenders'
eligibility criteria which means the offer you select is the offer for which you are
actually
eligible for*

*The offers are dependent on the documentation check and verification performed by the
lenders as per
their credit policy

What happens after I have applied for a loan / credit card offer?

Once you have selected an offer then the respective lender will get in touch with you. Please
ensure
the details entered by you are accurate. This will enable the lender to respond to you at
the
earliest. You can also provide alternate contact details while selecting and confirming the
loan /
credit card offer.

Security sub-tab

Security

TransUnion Interactive, Inc. understands the confidentiality of information contained in credit reports, and we safeguard the privacy of all information you provide to us through any TransUnion Interactive website.

Identity Verification System (IV)

TransUnion Interactive has designed an Identity Verification System in order to protect your security and privacy. IV seeks to confirm that your personal credit information is being viewed by YOU.

When a customer requests a credit report, IV is intended to confirm the customer's identity. If the customer cannot provide the correct information, the system does not allow that person to view the report.

(Please Note: If you are currently in the identity verification process and you need help, please contact our Customer Service Team.)

SSL (Secure Sockets Layer) Encryption

To ensure that your credit information remains secure and confidential, TransUnion Interactive uses programs that encrypt the data you provide on the order form before transmission to TransUnion Interactive. Encryption is a way of coding the information in a file so that if it is intercepted by a third party as it travels over a network, it cannot be read. Only the person or persons that have the right type of decoding software can unscramble the message. Thus, your encrypted information can only be read by TransUnion Interactive.

Questions or concerns about the TransUnion Interactive's security system? Please contact the Customer Service Team.

Privacy Policy sub-tab

TRANSUNION CIBIL PRIVACY POLICY

The contents of this privacy policy ("Privacy Policy") along with the general terms and conditions ("General TNC") available at http://www.transunioncibil.com/terms-and-conditions are applicable to all hyperlinks under http://http://www.transunioncibil.com(this "Website") and http://www.cibil.com. You hereby acknowledge of having read and accepted the same by use or access of this Website. We reserve the right to modify this privacy policy at any time, so please review it frequently. If we make material changes to this privacy policy, we will notify the by means of a notice on our home page. By continuing to use our service after notice of changes have been published on the Website, you are consenting to the changes. The capitalized terms used herein and not defined shall have the meaning set out in the General TNC.

TransUnion CIBIL's Privacy Statement

This privacy statement covers the website. By accessing, using or registering with website, you accept and agree to TransUnion CIBIL's Privacy Policy.

Our Privacy Policy explains:

What information we collect and why we collect it.

How we use that information.

Safety measures and procedures.

We respect your privacy and recognize the need to protect the personally identifiable information (any information by which you can be identified, such as name, physical and email address, citizenship, and phone number) which and if you share with us. We would like to assure you that we follow appropriate and necessary standards when it comes to protecting your privacy on this Website. If you have any queries, kindly contact us at info@transunioncibil.com.

INFORMATION WE COLLECT

By using or accessing this Website, you agree to the collection and use of your data such as, inter alia, your name, email address, gender, age, PIN code, telephone or mobile number, the credit card or debit card details (as maybe applicable), etc., and / or your occupation, interests, and the like (hereinafter referred as "personal information" or "information" or "data"), by us in the manner provided in this Privacy Policy.

In general, you can visit this Website without telling us who you are or revealing any personal information about yourself. We track the Internet Protocol address from which people visit us/ our Websites and analyze this data for trends and statistics independently or as per our agreement with our third party service providers, but the individual user remains anonymous. We use the information we automatically receive from your web browser to see which pages you visit within our Website, which Website you visited before coming to ours, and where you go after you leave. We develop statistics that are helpful to understand how our visitors can use this Website. We use this information in the aggregate to measure the use of our Website and to administer and improve our Website. This statistical data is interpreted by us in its continuing effort to present the Website content that visitors are seeking in a format they find most helpful.

TransUnion CIBIL collects the following general types of information about you when you visit the Websites: personal information, demographic information, behavioural information and indirect information. Personal information is information that can be used to identify you, or any other individual to whom the information may relate, personally. TransUnion CIBIL does not collect personal information unless you choose to provide it to TransUnion CIBIL. Some examples of personal information that TransUnion CIBIL collects in some areas of the Website, depending on the Products and Services you use and local law, are: name, address, identity and address proof, email address, number, payment details, contact information, billing information, loan account numbers, information about third parties, such as references, mentors or contacts etc., that the you provide to TransUnion CIBIL if it pertains to you or if you has their express written consent to do so. Demographic information is information that is not unique to you in the sense that it refers to selected population characteristics, such as ZIP code or postal code, age, preferences, gender, occupation, career history, interests and favourites etc. TransUnion CIBIL also collects behavioral information regarding how you use the Website and mobile applications, the areas of Website that you visit, what services you accesses, and information about your computer hardware and software including your IP address, device information (such as your hardware model, operating system version, unique device identifiers, and mobile network information including phone number), geolocation, log information (device event information such as crashes, system activity, hardware settings, browser type, browser language, the date and time of your request and referral URL), browser and operating system type, domain names, access times and referring website addresses etc. This information is necessary for analyzing the use of resources, troubleshooting problems, preventing fraud, and improving our Products and Services and providing additional services. In addition, TransUnion CIBIL may collect indirect information about you when you use certain third party services on our web site. For example, if you provide a title of 'Mrs.' we will assume you are female.

PURPOSE OF COLLECTION

The information we collect and analyze is used to improve our service to you. You agree that we or our third party service providers collect your IP address or other unique identifier. At times, we also use these identifiers to collect information regarding the frequency with which our guests visit various parts of our sites. We, either through ourselves or our partners, affiliates, group companies, advisors, agents etc. (collectively referred to as the "Affiliates") may combine your IP address with other personally identifiable information for marketing and for market research purposes, including internal demographic studies, so we can optimize our products and services and customize this Website for you.

Personalization. We may combine your credit information or other information collected through cookies, web beacons and other technical methods with personally identifiable information in order to understand and improve your online experiences and to determine what products, promotions and services you prefer or are likely to be of interest to you. There are times when we may collect personal information from you such as name, physical and email address, phone number etc. for the purpose of enabling you to avail the services offered by TransUnion CIBIL and its Affiliates and to enable TransUnion CIBIL and its Affiliates to conduct its activities in accordance with the applicable laws. We will also strive to use any and all information provided by you to enhance the utility of the Website in the future for you. If you choose not to provide the information we request, you can still visit this Website, but you may be unable to access certain options, offers and services.

Provision of Services and other Purposes. TransUnion CIBIL may share your information with third parties (including not limited to its Affiliates) who help TransUnion CIBIL in the delivery of its products and services to you. TransUnion CIBIL discloses information to companies and individuals it employs to perform functions on its behalf. Examples include hosting our web servers, analysing data, providing marketing assistance, processing card payments, providing customer service etc. TransUnion CIBIL may disclose such information to third parties if you consent to such disclosures. If you expressly indicate that you would like to receive information about the opportunities, products or services of third parties, TransUnion CIBIL would supply your contact information to select third parties (including not limited to its Affiliates), Members, or others for the purpose of sending you e-mail or otherwise communicating with you. Such aggregated data does not identify users of the Website or the Consumers individually, and may be made available to various market intermediaries. TransUnion CIBIL may use the information it collects for the Products and Services, to provide, maintain, protect and improve the Products and Services, to develop new ones, and to protect TransUnion CIBIL and our other Consumers. TransUnion CIBIL also uses this information to offer you tailored content - like giving you more relevant search results and advertisements. TransUnion CIBIL may use the email address and other details to inform you about TransUnion CIBIL's Products and Services, such as letting you know about upcoming changes or improvements etc.

You agree that we or any of our Affiliates may contact you from time to time to provide the offers/ information of such products/ services that we believe may benefit you.

TransUnion CIBIL may disclose and transfer such information to a third party who acquires any or all of TransUnion CIBIL's business units, whether such acquisition is by way of merger, consolidation or purchase of all or a substantial portion of our assets or by any other permitted way.

DISCLOSURE OF INFORMATION

We may use personal information shared by you or Consumer during the process of registration or otherwise for verification purposes and the customer agrees and allows TransUnion CIBIL to share such information with third parties solely for verification purposes. We may also use the information you provide to update our consumer credit database.

We may provide information so collected from you to government authorities or any court of law as per the applicable laws of India or as per our agreement with our third party service providers or any third party. However, such third party receiving your personal information shall not disclose it further, save and except if required under the any law.

It is possible that we may need to disclose personal information when required by law, such as responses to civil or criminal subpoenas, or other requests by law enforcement personnel. We will disclose such information wherein we have a good faith belief that it is necessary to comply with a court order, ongoing judicial proceeding, subpoena, or other legal process or request to TransUnion CIBIL brought in any country throughout the world, or to exercise our legal rights or defend against legal claims.

LINK TO THIRD PARTY SITES

We may link to the websites of other third parties. These third-party websites may collect personal information about you on those Websites, and our Privacy Policy does not extend to these external websites and third parties. Please refer directly to these third parties and web sites regarding their privacy policies. Links to third party sites do not imply endorsement or approval of the sites by TransUnion CIBIL.

HOW WE COLLECT INFORMATION

Some of our web pages including our third party service providers store and use "cookies" so that we can better serve you with customized information when you return to our site. Cookies are identifiers which a web site can send to your browser to keep on your computer to facilitate your next visit to our site. You can set your browser to notify you when you are sent a cookie, giving you the option to decide whether or not to accept it.

Cookies, web beacons and other technical methods may involve the transmission of information either directly to us or to another party authorised by us to collect information on our behalf. The information from use of these technical methods may be collected in a form that identifies you personally. You may get cookies from our advertisers. We do not control these cookies, and once you have clicked on the advertisement and left our Website, our Privacy Policy no longer applies.

We also use these technical methods in HTML e-mails that we send you for a number of purposes including: to determine whether you have opened or forwarded those e-mails and/or clicked on links in those e-mails; to customise the display of the banner advertisements and other messages after you have closed an email; and to determine whether you have made an enquiry or purchase in response to a particular email.

APPLICATION

This privacy policy does not apply to services offered by other companies or individuals, including products or sites that may be displayed to you in search results, sites that may include TransUnion CIBIL services, or other sites linked from our services. This privacy policy does not cover the information practices of other companies and organizations who advertise our services, and who may use cookies, pixel tags and other technologies to serve and offer relevant ads.

SAFETY MEASURES AND PROCEDURES

We will not sell, trade or disclose to third parties any information derived from the registration for, or use of, any online service (including names and addresses) without your consent unless required under applicable law save and except to any of our Members and/or Affiliates for helping you in receiving loans or other purposes in relation to the businesses of our Members and Affiliates and as may be required by legal process or in the case of imminent physical harm to any person. Further, TransUnion CIBIL will allow its Members, Affiliates to access the information for purposes of confirming your registration and providing you with benefits you are entitled to.

Upon withdrawal of consent by you, personal information shared by you or any Consumer will not be used/retained by TransUnion CIBIL for any purposes. You may withdraw the consent by way of unsubscribing from the services offered by TransUnion CIBIL or by sending a written notice of withdrawal to TransUnion CIBIL.

We will take appropriate steps to protect the information you share with us. We have implemented technology and security features and strict policy guidelines to safeguard the privacy of your personally identifiable information from unauthorized access and improper use or disclosure. We will continue to enhance our security procedures as new technology becomes available.

Because of the nature of the Internet, we may transmit the information collected from you to another country, but among our Affiliates and Members in the course of provision of our Products and Services.

TransUnion CIBIL or its Affiliates shall not publish the personal information provided by you without your consent save and except as stated in this Privacy Policy and/or in the General TNC

CHANGES

If our privacy policy changes in the future, it will be posted here and a new effective date will be shown. You should access our privacy policy regularly to ensure you understand our current policies. TransUnion CIBIL will attempt to respond to all reasonable concerns or inquiries on a best efforts basis within a reasonable period of time.

TransUnion CIBIL may provide notifications, whether such notifications are required by law or are for marketing or other business related purposes, to you via email notice, written or hard copy notice (including via fax), or through posting of such notice on the Website. TransUnion CIBIL reserves the right to determine the form and means of providing notifications to you, provided that you may opt out of certain means of notification as described herein. TransUnion CIBIL is not responsible for any automatic filtering that you or your network provider may apply to email notifications we send to the email address you provide us.

We may choose to use testimonials/ feedback provided by you via email or on the Website for marketing purposes. By making any suggestions, feedback or comments on our Website, for our people and services, you have agreed to allow us to publish the same for marketing purposes by TransUnion CIBIL.

GOOGLE ADWORDS REMARKETNG

Explanation:

This website (www.transunioncibil.com) uses Google Adwords Remarketing services to help analyze consumer behavior. Whenever consumer visits our website, google system (Adwords Remarketing) would drop cookies (a packet of small data text files with id tags) on consumer's system. Once consumer leaves our website and goes to some other website which have content or website relevant to our website (like Banks), Google would display our ads on those websites based on cookies which were dropped earlier by Google (while consumer was on TransUnion CIBIL's website). It could mean that we advertise to previous visitors who haven't completed a task on our site, for example using the contact form to make an enquiry. Any data collected will be used in accordance with our own privacy policy and Google's privacy policy.

Privacy of Collected Data:

We will never use the statistical analytics tool to track or to collect any Personally Identifiable Information (PII) of visitors to our site. TransUnion CIBIL will not link, or seek to link, an IP address with the identity of a computer user. We will not associate any data gathered from this site with any Personally Identifiable Information from any source Information to Google Adwords privacy policy can be found at the following link- https://support.google.com/adwordspolicy/answer/143465?hl=en

Information About Google Remarketing:

This website uses Google Remarketing to advertise online using text or image ads on the Google Display Network. Remarketing is a feature that lets us reach people who have previously visited our site, and show them relevant ads when they visit other sites on the Google Display Network.

Website Terms And Conditions:

In order to undertake Remarketing, Google has instructed to include certain terms in our website terms and conditions such as - We utilize Google Analytics features which are implemented based on Display Advertising (e.g., Remarketing, Google Display Network Impression Reporting, the DoubleClick Campaign Manager Integration, or Google Analytics Demographics and Interest Reporting).

TransUnion CIBIL uses Remarketing with Google Analytics to advertise online. Third-party vendors, including Google may show TransUnion CIBIL ads on sites across the Internet.

TransUnion CIBIL and third-party vendors, including Google, use first-party cookies (such as the Google Analytics cookie) and third-party cookies (such as the DoubleClick cookie) together to inform, optimize, and serve ads based on website visitors past visits to our website.

TransUnion CIBIL would use data from Google's Interest-based advertising or 3rd-party audience data (such as age, gender, and interests) with Google Analytics.

In order to opt out of Google Analytics for Display Advertising / Remarketing consumer can access Google Analytics' Google Analytics Opt-out Browser Add-on at following link https://tools.google.com/dlpage/gaoptout/. Consumers can customize Google Display Network ads by using the Ads settings for their respective google accounts

By accessing the Website, providing personal information for inclusion in TransUnion CIBIL's database, or by using the Products and Services, you hereby expressly and unconditionally consent to your information being stored, used, altered, modified, compiled, dis-assembled, shared and disseminated as described here, by TransUnion CIBIL and its Affiliates.

Terms and Conditions sub-tab

TERMS AND CONDITIONS FOR PROVISION OF SERVICES

This document lays out the terms and conditions and rules, as may be amended and supplemented, from time to time, (Terms) which shall be applicable to the provision of: (i) Credit Information Reports (Individual CIRs) and Company Credit Information Report (Company CIRs) (collectively referred to as, Reports) either /or for (a) Free Annual Credit Report and Score (as mandated by the Reserve Bank of India) (b) Subscribed Product ( Unlimited Access within the subscription period) (c) Featured Offers (d) Personalized Loan Offers to either an individual, a partnership firm, a company (as defined in section 2 (20) of the Companies Act, 2013 ), a body corporate (as defined under Section 2(11) of the Companies Act, 2013), a co-operative society, a trust, an association of persons whether incorporated or not, and any other entity, and shall include their heirs, representatives, successors and assigns, as permitted and applicable, (Persons) who can apply for the CIRs and/or the Commercial CIRs, under applicable law; (ii) Featured Offers and (iii) any other products and services rendered by TransUnion CIBIL to the Persons (collectively referred to as, Products and Services) by TransUnion TransUnion CIBIL Limited ("TransUnion CIBIL") having its registered office at One Indiabulls Center, 19th Floor, Tower 2A, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400 013 (Transaction).

The words, "I", "We", "us", "me", "my", "myself", "customer" and "consumer" refer to the Person(s) who request for their respective Reports or receive the Products and Services or pursue the Transaction (as defined hereinabove) or part thereof (Consumer) and shall include both singular and plural. Reference to the masculine gender shall include the feminine and neutral gender or any other legal entity.

I acknowledge and expressly agree with the following terms and conditions:

GENERAL

I/We have read, understood and agree to abide by these Terms including any changes thereto made by TransUnion CIBIL in its sole discretion, from time to time, relating to my Transaction with TransUnion CIBIL, which changes shall be made available on TransUnion CIBIL's website/s (www.cibil.com and www.transunioncibil.com). I/We agree that the Terms form a valid contract between myself/ourselves and TransUnion CIBIL, and that TransUnion CIBIL may, at its sole discretion, amend the Products and Services relating to the Transaction and/or the Terms, either wholly or partially, at any time in the manner stated above and without the requirement of any prior notice or consent.

I/We agree that these Terms constitute the entire agreement between myself/ourselves and TransUnion CIBIL with respect to the Transaction and these Terms supersede all prior or contemporaneous communications and proposals, if any, whether electronic, oral, or written, between me/us and TransUnion CIBIL with respect to the Transaction. A printed version of these Terms and of any notice given in electronic form shall be valid and admissible in judicial or administrative proceedings based upon or relating to these Terms to the same extent and subject to the same conditions as any other documents and records originally generated and maintained in printed form.

I/We agree and understand that that any and all information contained in the Reports and the Products and Services has been collated by TransUnion CIBIL based on the information provided by its various member banks and credit institutions (Members). Consequently, TransUnion CIBIL shall not be responsible for the accuracy, completeness, and veracity of any and all such information as provided. I/We also understand that the information is current and up to date to such extent as provided by the Members and is subject to changes and amendments made thereafter and that any information contained herein does not reflect the views of TransUnion CIBIL or its directors or employees. Also, TransUnion CIBIL shall incur no liability and shall not be required to indemnify me/us for any loss, damages, claims or expenses incurred by me/us for any incorrect reports provided due to incorrect information and/or documents provided by me/us or if for any technical reason, any incorrect report is provided otherwise.

I/We agree that the provision of the Reports and the Products and Services shall be limited to the territory of India.

The information contained in the Reports shall be updated upto such dates which the relevant Members with whom I/we have a relationship with, has provided information to TransUnion CIBIL based upon which updated information TransUnion CIBIL has been able to update the Reports and TransUnion CIBIL shall not be responsible in the event my information is not updated by the Members.

I/We understand and agree that TransUnion CIBIL shall not be required to seek prior permission from me/us for updating information that may be reported to TransUnion CIBIL by the Members or otherwise come to the information of TransUnion CIBIL and TransUnion CIBIL shall not be responsible to verify the correctness of the information received hereby. TransUnion CIBIL shall reproduce the information submitted to it by its Members on "as is" basis.

TransUnion CIBIL shall have the right to terminate provision of the Report/s and/or the Products and Services or any part thereof, at its sole discretion at any time. Further, notwithstanding the Terms contained herein, TransUnion CIBIL reserves the right to reject my Request Form (defined below) made due to any reason whatsoever and shall not be required to specify such reason for rejecting the same.

TransUnion CIBIL reserves the right to initiate legal proceedings including criminal proceedings against the perpetrators of fraud, money laundering or any other form of wrong doing in relation to the Products and Services. I/We have read in full and have completely understood the steps to access Report/s and/or the Products and Services offered on TransUnion CIBIL's website/s (www.cibil.com and www.transunioncibil.com).

I/We understand and agree that in the event there are three insufficiencies in the Request Form and/ or the payment mechanism, my/our Request Form (as hereinafter defined) shall be liable to be rejected and I/we shall have to make fresh applications. I/We further understand and agree that until such time, in the event I/we would have made any payments in this regard, the same shall not be refunded to me/ us.

An 'insufficiency in the Request Form' would have taken place, including but not limited to, any of the following reasons:

Online payment failure;

Address proof not provided, invalid (not acceptable as defined by TransUnion CIBIL) or is expired (not currently relevant);

ID proof not provided or is invalid (not acceptable as defined by TransUnion CIBIL) or is expired (not currently relevant);

Address or ID proof does not match with that provided on the Request Form;

Personal Information not matching on the Reports and/or Request Form and/or the identification documents provided;

Request for the Individual CIR of a minor;

REQUEST FORMS FOR PRODUCTS AND SERVICES AND PROOF OF IDENTITY AND ADDRESS

1. I/We understand that all applications for the Report/s or the Products and Services shall be provided by TransUnion CIBIL only on the submission by me/us of the duly completed request forms, the Credit Information Report, as may be applicable, for the Reports and/or the relevant Products and Services, as may be applicable, or through the user form available online (Request Form) which may be obtained or accessed at TransUnion CIBIL's website/s (www.cibil.com and www.transunioncibil.com).

2. I/We agree to comply with the KYC requirements as required by TransUnion CIBIL and specified by TransUnion CIBIL from time to time.

3. Any application made by me/us other than in the prescribed Request Form or which are incomplete in any manner shall not be considered a valid application and will be rejected by TransUnion CIBIL without providing any reason whatsoever.

4. All details provided by me/us in the Request Form should match the details provided by me/us to any of the Member who I have any type of relationship with or in the event I/we do not have any relationship with any Member, the details that are similar to that as provided in the Address Proof (as defined hereinafter) as mentioned herein.

5. Proof of my/our identity (Identity Proof) and proof of my/our address (Address Proof) shall be required to be submitted by me/us along with the Request Form, and in the event I/we fill the Request Form online on TransUnion CIBIL's website, such documents shall be required to be posted by me/us to TransUnion CIBIL at the following address (Processing Address): Consumer Relations, TransUnion CIBIL Limited, One Indiabulls Center, 19th Floor, Tower 2A, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400 013.

6. TransUnion CIBIL shall not be responsible if any of the documents relating to my/our Identity Proof or Address Proof are lost in transit prior to receipt of such documents by TransUnion CIBIL at the abovementioned processing address.

7. I/We agree that all documents provided along with the Request Form shall be valid and should not have expired, as applicable. Further, I/we agree that copies of the documents provided shall not be returned by TransUnion CIBIL irrespective of the fact whether or not the Credit Information Report or any other Products and Services is made available and/or provided to me/us.

8. All documents relating to the Request Form, Identity Proof and Address Proof must reach TransUnion CIBIL at its Processing Address within 7 (seven) business days of the date of filing of the Request Form. Payment of appropriate charges and any documents, payments, verification, clarifications and other information should be provided by me/us within a period of 90 (ninety) days from the date of the filing of the Request Form, upon the expiry of which the application shall be considered as incomplete and a fresh Request Form shall have to be provided along with all other necessary documents including payment of requisite fees in relation thereto.

9. I/We understand that if due to the provision of wrong or incomplete information provided by me/us in the Request Form, or for online ID Authentication Process, as may be applicable, an incorrect Report or such Service as the case may be is received by me/us and in that case, TransUnion CIBIL shall in no manner be responsible for the same and any subsequent request for a fresh Report or such Service as the case may be shall be treated as a fresh request and application and hence shall be charged accordingly.

Also, due to the provision of wrong or incomplete information provided by me/us in the Request Form, or for online ID Authentication Process, as may be applicable, the Report so generated may belong to a person other than me/us, and may be sent to such person at my/our cost. In such cases, I understand that TransUnion CIBIL shall not be liable to refund any payments made by me/us in this regard and that I/we shall have to furnish a fresh Request Form and submit fresh payment for my/our Credit Information Report.

TERMS AND CONDITIONS OF PAYMENT

1. The charges for the Subscribed Products and Services shall be as stipulated by TransUnion CIBIL from time to time and I/we agree to pay the same. The charges for any Subscribed Products and Services may be amended by TransUnion CIBIL from time to time subject to applicable laws.

2. I/We acknowledge and agree that the charges as specified are the cost of a Report or other Products and Services, as may be applicable and other charges including any delivery charges, payment gateway charges and taxes and other duties which shall be payable by me/us, as applicable and prescribed by TransUnion CIBIL relating to costs that TransUnion CIBIL may incur for the purposes of facilitating me/us in the payment mechanism and in getting my/our Report or other Products and Services delivered at my/our validated address.

3. I/We understand that the payment gateway and net-banking channels may not belong to TransUnion CIBIL and agree to abide by the rules and regulations and terms prescribed by such third party in the process of facilitating my/our payment through the said payment gateway and net-banking channels.

4. A request once made by me/us shall not be cancelled and no charges relating to such order shall be refunded. However, I/we understand that there may be instances when no Report, as may be applicable, is generated because the Credit Information does not exist in TransUnion CIBIL's database or the details provided by me/us were not adequate to access the relevant Credit Information. In such cases, a "no-hit" report will be generated by TransUnion CIBIL and provided to me/us. I/We understand that a 'no-hit' Credit Information Report may not provide any information.

5. I/We understand that unless complete and full payment along with submission of the required documents is made by me/us, TransUnion CIBIL shall not be obliged to process or issue any Credit Information Report to me/us.

PAYMENT MODES

Payment through Credit Cards/Debit Cards:

I/We understand that any payment for the Products and Services through my/our VISA or MASTERCARD or other service provider (as provided by the Payment Gateway Merchant) Credit Card or Debit Card as the case may be, may be made.

Payment through Net Banking:

I/We understand that a payment of the stipulated charges for Reports and/or Products and Services may be made through my/our Net Banking channel.

TERMS OF PAYMENT

Charges for Credit Information Report: I/We agree to pay such amount as stipulated by TransUnion CIBIL for the issue of my Credit Information Report. The charges are inclusive of delivery charges, payment gateway charges (if any) and all applicable taxes.

If the payment is made through Credit Card or Debit Card:

1. I/We represent that the Credit Card or Debit Card used by me/us to make payment herein, is my/us own Credit Card or Debit Card or I/we have full authority and permission to use the same to make payment herein.

2. Processing of the Request Form shall take place only after TransUnion CIBIL realises the payment through from the Credit Card/Debit Card payment gateway merchant for the full amount. In the event there is any error in the payment of the full amount through this mode, the relevant Request Form shall not be processed.

In the event payment is made more than once for the same transaction, I/we understand I/we am /are required to email TransUnion CIBIL at info@cibil.com or call TransUnion CIBIL at +9122-61404300 or such other number as TransUnion CIBIL may intimate on its Website/s (www.cibil.com and www.transunioncibil.com) from time to time and inform TransUnion CIBIL of the same. Upon request by TransUnion CIBIL, I/we shall provide the relevant reference number from the issuing bank or financial institution providing net banking services or issuing the Credit Card/Debit Card, as the case may be, in order to reverse such duplicate payment. I/We understand such reversals shall be made to the same account from which payment was made or the same Credit Card/Debit Card from which payment was made, as the case may be, and that TransUnion CIBIL shall make its best endeavours to credit the refund after the expiry of at least 4 (four) working days.

TransUnion CIBIL shall not be liable in any manner whatsoever for any fraud that may be committed on my/our net banking account or my Credit Card/Debit Card, as the case may be, whether due to loss or theft or otherwise.

The technology for enabling the payment by way of net banking services or Credit Card/Debit Card could be affected by virus or other malicious, destructive or corrupting code, programme or macro. This could result in delays in the processing of instructions or failure in the processing of instructions. TransUnion CIBIL shall not be liable, whether direct or indirect, whether arising out of loss or profit or otherwise arising out of any failure or inability by the relevant bank or financial institution to honour any customer instruction for whatsoever reason.

I/We understand that the Net Banking channel is available only if I/we have an online banking account with my/our bank or financial institution from where the said amount will be directly debited from my/our account with my/our instructions online and such facility is available only if I/ we hold an account with the banks as maybe provided by payment getaway merchant and/or TransUnion CIBIL, from time to time.

If the payment is made through net banking facilities:

1. I/We shall use only my/our own net-banking account details to transact on this Website or have full authority and permission to use the net-banking account to make payment as required herein.

2. Processing of the Request Form shall take place only after TransUnion CIBIL realises the payment through from the net-banking payment gateway merchant for the full amount. In the event there is any error in the payment of the full amount through this mode, the relevant Request Form shall not be processed.

Featured Offers

Under this Section the consumer may be offered loans from participating lenders if they meet the eligibility criteria decided by such participating lenders. The final decision on sanction rests with the participating lenders and TransUnion CIBIL is not liable and/ or responsible for the same. Loan approval is subject to documentation and verification as per lenders credit policy

Personalised Loan Offers

Under Personalized Loan Offers TransUnion CIBIL provides an online platform which enables a consumer to view and choose from multiple offers across products and from participating lenders. The offers are customized basis the TransUnion CIBIL Score, Income and Other Credit parameters. Loan approval is subject to documentation and verification as per lenders credit policy.

TransUnion CIBIL Loan Market Place

TransUnion CIBIL Market Place is an online platform which enables a consumer to view and choose from multiple offers across products and from participating lenders. The offers are customized basis the TransUnion CIBIL Score, Income and Other Credit parameters. Loan approval is subject to documentation and verification as per lenders credit policy.

1. I/We acknowledge and consent to:

receiving the products and services offered by various Members of TransUnion CIBIL (Member Services) on the TransUnion CIBIL Website (www.cibil.com ) or a link to Member website provided on TransUnion CIBIL Website

submitting my/our data, including contact details, or any other personal details available with you or obtained from us by you and/or credit information (each as construed under the applicable law and common parlance) (my information) to the Member as selected by us on the Website (Selected CI) to enable them to send offers, solicitations or other product brochures to me/us and to contact me/us

expressly waive any and all rights available to me/us under the Telecom Commercial Communications Customer Preference Regulations, 2010 and any other applicable law in relation to the offers or solicitations made by Selected CI

2. I/We shall not hold TransUnion CIBIL and/or any of its technical service providers responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of my information to the Selected CI; (b) any use, modification or disclosure by the Selected CI of my information, in whole or in part, whether authorized or not; and (c) any breach of confidentiality or privacy in relation to delivery of the my information by the Selected CI.

3. I/We further acknowledge and accept:

That the implementation of the end use policy of the Selected CI, if any, is solely the responsibility of the Selected CI, and I/we shall not hold TransUnion CIBIL liable for any use made by the Selected CI which is contrary to the end use policy or otherwise.

That any credit facility provided or to be provided to me/us pursuant to our activities on this Website by any Member including the Selected CI shall be the sole discretion of such entity as per the credit criteria and other criteria set/selected by such entity. I/We further acknowledge and accept that I/we may or may not be able to receive any credit facility offers from any Member, including the Selected CI since the same is dependent on my/our credit profile, as also the credit criteria and filter criteria set/ selected by a Member, including the Selected CI.

TransUnion CIBIL has not made any promises or representations to me/us in order to induce me/us to provide my/our consent or authorization as contemplated herein and that I/we have agreed to the terms herein at my/our own free will.

All right, title and interest (including all copyrights, trademarks and other intellectual property rights) on and related to the Site is owned by TransUnion CIBIL and/or its affiliates. In addition, the names, images, pictures, logos and icons identifying TransUnion CIBIL and its Products and Services are proprietary marks of TransUnion CIBIL and/or its affiliates. Nothing contained herein shall be construed as conferring any license or right, by implication or otherwise, under copyright, trademark or other intellectual property rights.

4. To the extent that this Website contains links to third party websites (including the Selected CIs) for my/our convenience or otherwise, TransUnion CIBIL does not assume any responsibility for the (i) content of, (ii) technology implemented by, or (iii) privacy practices adopted by such third party sites and any use of the same is entirely at my/our own risk. I/We specifically agree to review the privacy policy and terms of use for each third party site and confirm they are acceptable prior to registration on or use of that site. Links to third party sites do not imply endorsement or approval of the sites by TransUnion CIBIL.

5. I/We shall not sue or otherwise make or present any demand or claim, and I/We irrevocably, unconditionally and entirely release, waive and forever discharge TransUnion CIBIL, its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (Release), from any and all manner of liabilities, claims and demands of any kind or nature, whatsoever, in law or equity, whether known or unknown, which I/we ever had, now have, or in the future may have against the Release with respect to grant of my/our consent in relation to disclosure of my/our information.

RAISING A GREIVANCE OVER ANY INFORMATION

A grievance request can be raised by me/us, by visiting TransUnion CIBIL website/s (www.cibil.com and www.transunioncibil.com). TransUnion CIBIL will initiate the dispute with the relevant credit institution and notify appropriately.

I/we agree and understand that TransUnion CIBIL may suspend any or all of the services and/or Transaction mentioned herein, including raising of a grievance request as set out above, and upon the happening of the same, TransUnion CIBIL shall not be under any obligation to process the grievance request raised by me from such date of suspension.

REFUNDS AND CHARGE BACK

1. In the event a request made by me/us in relation to a Service is not a valid request, or if it is rejected by TransUnion CIBIL for any reasons whatsoever or TransUnion CIBIL is unable to provide the same, I/we agree to pay to TransUnion CIBIL, processing charges and TransUnion CIBIL shall refund to me/us such amounts as may be decided by TransUnion CIBIL in its sole discretion from time to time.

2. Only for the following reasons and any other reasons decided by TRANSUNION CIBIL at its sole discretion, TransUnion CIBIL shall refund the payments made by me/us after deducting the relevant processing charges as may be required by TransUnion CIBIL, in its sole discretion, from time to time:

In case of Transactions through Net Banking/using Debit or Credit Cards and in the event of a fraudulent transaction carried out on my/our bank account/card without my/our authorisation verified by the police;

In the event of any technical snags between my/our computer and/or TransUnion CIBIL and/or the issuing bank wherein my/our transaction could not be completed, whereby I/we was/were charged twice for a single transaction (duplicate processing).

DELIVERY OF REPORT/S AND OTHER PRODUCTS AND SERVICES

1. On any change in my personal information and/or address, I/we shall update my address in the records of the relevant Member/s with whom I/we have my respective relationship account/s, else, TransUnion CIBIL would not be able to deliver the Report at my/our desired address.

2. I/We understand and agree that in case I/we provide email address for delivery of the Report/s and/or Products and Services by opting for delivery through email, TransUnion CIBIL shall not be responsible for the correctness of the email ID and delivery of the Report/s and/or Products and Services made by TransUnion CIBIL to such email address (with encryption) shall be complete dispatch of the Report/s and/or Products and Services.

DISCLAIMER OF WARRANTIES AND LIMITATION OF LIABILITY

1. I/We acknowledge, understand and agree that by providing the Report/s and the Products and Services (whether through this Website/s (www.cibil.com and www.transunioncibil.com) or otherwise), TransUnion CIBIL is acting as a facilitator. TransUnion CIBIL, thus, does not warrant that the functions contained in the above mentioned Website/s will be uninterrupted or error free, that defects will be corrected, or that this Website/s or the servers that make it available are free of viruses or other harmful components, but shall take commercially reasonable efforts to correct the delays in operation of the Website/s.

2. In no event shall TransUnion CIBIL be liable for any direct, indirect, punitive, incidental, special, consequential damages or any other damages.

3. I/We acknowledge, understand and agree that, without limiting the above clause 2, TransUnion CIBIL shall not be responsible and disclaims all responsibilities for any claim, liability, or any damage resulting from, arising out of, or in any way related to: (a) the use or the inability to use the Report/s and/or the Products and Services or this Website; (b) the cost of procurement of substitute services; (c) unauthorized access to or alteration of transmissions or data; (d) any other matter relating to the provision of services for underlying Transaction; including, without limitation, damages for loss of use, data or profits, arising out of or in any way connected with the use or performance of the Website/s, the Report/s and/or Products and Services, or otherwise, (e) any errors in or omissions from this Website/s, including but not limited to technical inaccuracies and typographical errors, (f) any third party websites or content therein directly or indirectly accessed through links in this Website/s, including but not limited to any errors in or omissions therefrom, (g) the unavailability of this Website/s or any portion thereof, or (h) my use of any equipment or software in connection with this Website/s.

4. I/We agree that I/we shall not hold TransUnion CIBIL liable or responsible for non-availability of its Website either due to internet connectivity speeds or errors on my/our computer or during periodic maintenance operations or any unplanned suspension of access to the Website that may occur due to technical reasons or for any reason beyond TransUnion CIBIL's control. I/we understand and agree that any material and/or data downloaded or otherwise obtained through this Website/s is done entirely at my/our own discretion and risk and I/ we will be solely responsible for any damage to my/our computer systems or loss of data that results from the download of such material and/or data.

5. I/We understand and accept that no information with regards to the Report/s, the Request Form, the Reports or any of the Products and Services shall be provided by me/us vide telephone or in person or vide e-mail excluding vide the document relating to Identity Proof or Address Proof. If any information is provided by me/us vide telephone or in person or vide e-mail excluding vide the document relating to Identity Proof or Address Proof, TransUnion CIBIL shall have no responsibility for any damage or loss to me/us due to such provision of information by me/us.

6. This Website/s is on an "as-is", "as available" basis and TransUnion CIBIL expressly disclaims all warranties, including the warranties of merchantability, fitness for a particular purpose, and non-infringement.

7. Apart from above, the respective Report/s and/or Products and Services shall have their disclaimers. I agree, acknowledge and accept the same.

MISCELLANEOUS

1.Severability

In the event that any provision of these Terms is declared by any juridical or other competent authority to be void, voidable, illegal or otherwise unenforceable or indications of the same are received by either me/us or TransUnion CIBIL from any relevant competent authority, TransUnion CIBIL shall have the right to amend that provision in such reasonable manner as it thinks fit without illegality or it may be severed from this Agreement in such manner as TransUnion CIBIL thinks fit and the remaining provisions of these Terms shall remain in full force and effect unless TransUnion CIBIL decides in its sole discretion to stop the provision of the Report/s and/or Products and Services either wholly or in part.

2.Variation

In furtherance of these Terms and subject to applicable laws, I/we understand that TransUnion CIBIL reserves the right to issue further directions which shall be applicable to me/us from, time to time. Other than as otherwise provided by these Terms, all alterations to these Terms shall be made by TransUnion CIBIL with an intimation on this Website and shall become applicable upon such intimation, and without the requirement of any prior notice or intimation to any Consumer of such variation. I/We agree to accept any such variation made by TransUnion CIBIL in this regard regardless of the mode through which I/we have approached TransUnion CIBIL.

3. Non- Assignment

I/We shall not assign or transfer any of my rights and/or obligations in relation to the transaction contemplated herein under or pursuant to these Terms to any other person.

4. Indemnification

I/We agree to defend, indemnify, and hold harmless TransUnion CIBIL, its officers, directors, employees, agents, licensees, affiliates, advisors, successors and assigns from and against any and all loss, damage, liability, claim, demand, suit, cost and expense (including court costs and reasonable attorney fees) suffered and/or incurred (as the case maybe) by TransUnion CIBIL and/or resulting from: (i) breach by me/us of any these Terms; (ii) claims made against TransUnion CIBIL by third parties including any bank/credit institution arising pursuant to the provision of services with respect to the Transaction and/or any matters incidental thereto.

5. Miscellaneous

I/We hereby confer TransUnion CIBIL with the right to use any data and information provided by me/us vide the Request Forms in any manner including for any purpose stipulated by TransUnion CIBIL, provided that the same shall be valid under applicable law.

I/We understand that by providing my/our mobile number and email address. I/we have assented to receiving SMS (es)/Email (s) and I/we may be sent SMS (es)/Email (s) to update status of my/our order for Report/s / Products and Services on TransUnion CIBIL's Website/s (www.cibil.com and www.transunioncibil.com). I/We further understand that by providing my/our said mobile number and email address (es), I/we have also assented to receiving calls and emails from TransUnion CIBIL, their agents etc. regarding any other TransUnion CIBIL services not covered hereunder.

6. Force Majeure

TransUnion CIBIL shall not be liable for any failure to perform any of its obligations under these Terms or provide the Report/s and/or the Products and Services or any part thereof if the performance is prevented, hindered or delayed by a Force Majeure Event (defined below) and in such case its obligations shall be suspended for so long as the Force Majeure Event continues.

Force Majeure Event means any event due to any cause beyond the reasonable control of any Party, including, without limitation, unavailability of any communication system, breach or virus in the systems, fire, flood, explosion, acts of God, civil commotion, riots, insurrection, war, acts of government or acts of third party/ies.

7. Governing Law, Jurisdiction And Arbitration

These Terms are governed by and are subject to Indian laws.

In the event of any claim, dispute or difference arising out of or in relation to these Terms, the claim, dispute or difference shall be referred to arbitration to be conducted by a sole arbitrator to be appointed by TransUnion CIBIL who shall be the presiding arbitrator and the decisions and award of the arbitral tribunal shall be final and binding. The arbitration proceedings shall be held in Mumbai and shall be conducted in the English language and be governed by the provisions of Arbitration and Conciliation Act, 1996 and any modification or re-enactment thereof in force at the relevant time. All costs of such arbitration shall be borne by the Consumer.

Subject to what is stated above, any matters which may require the intervention or any determination by a Court, including any appointment of any arbitrators under Section 11 of the Arbitration and Conciliation Act, 1996, whether prior to, or during or after the aforesaid arbitration, shall be subject to the exclusive jurisdiction of the Courts in Mumbai.